Gold
- Annual fee
- $325
- Network
- amex
- Type
- personal
Earn 4X Membership Rewards points at restaurants worldwide (up to $50,000 per year) and at U.S. supermarkets (up to $25,000 per year), 5X on prepaid hotels booked through AmexTravel.com or the Amex Travel App, 3X on flights booked directly with airlines or through Amex Travel, 2X on prepaid car rentals and cruises booked through Amex Travel, and 1X on all other eligible purchases.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$524 of the advertised value — 100% — comes with strings attached.
- $524 advertised across 5 benefits.
- $524 (100%) needs a booking, enrollment, or deadline.
- Biggest credit — $120 Dining Credit, $120 — comes with conditions.
- No-hoops value covers 0% of the annual fee.
- You'll actually use $120 Dining Credit.
- 5× on prepaid hotel reservations matches your spend.
- You won't use $120 Dining Credit.
- You want the fee covered without chasing — $325 short.
- You'd forget monthly credits.
Welcome offer
AS HIGH AS 100,000 Membership Rewards® points after you spend $8,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
- Minimum spend
- $8,000
- Within
- 6 mo
Earning rates
- All other eligible purchases1×ptsMembership Rewards
- Top earnPrepaid hotel reservations5×ptsMembership Rewards · AmexTravel.com or the Amex Travel App
- Restaurants worldwideon up to $50K/yr, then 1X4×ptsMembership Rewards
- Flights3×ptsMembership Rewards · airlines, AmexTravel.com, or the Amex Travel App
- Other eligible purchases2×ptsMembership Rewards · AmexTravel.com or the Amex Travel App
On-card benefits & credits
- The Hotel Collection $100 Credit$100/As needed
Book two nights or more with The Hotel Collection through AmexTravel.com and receive a $100 credit towards eligible charges at over 1,300 upscale hotels worldwide. $100 per eligible stay.
- $100 Resy Credit$50/Semi-annual
Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants. That’s up to $50 in statement credits from January through June and up to $50 from July through December.
- $120 Dining Credit$10/Monthly
Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at participating partners like Grubhub, Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder.
- $120 Uber Cash$10/Monthly
Get $10 in Uber Cash each month when you add your Gold Card to your Uber account. Can be used on U.S. rides or eats.
- $84 Dunkin' Credit$7/Monthly
Earn up to $7 in monthly statement credits after you pay with the Gold Card at U.S. Dunkin' locations.
- Membership Rewards ® Program - Transfer Points$0/Annual
Membership Rewards® Program - Transfer Points - Can't get to the beach soon enough? Whether you're dreaming of sunrise abroad or sunset on your favorite shore, American Express offers you the opportunity to transfer points to 20 airline and hotel travel partners. Transfer points to feel the breeze faster.
- Amex Event Perks$0/As needed
At select events, Card Members can receive perks such as dedicated entrances and checkout lanes, exclusive offers, popups and other fan-experience extras. Event Perks vary by event and are available while supplies last. Additional terms may apply by event, such as guest policy and capacity limitations for Fan Experiences and enrollment and Card eligibility for offers. Perks are subject to change without notice. See event terms for additional information.
- Baggage Insurance Plan$0/As needed
Coverage may apply to lost, damaged, or stolen baggage when the entire common-carrier fare is purchased with an eligible card. Limits include up to $1,250 for carry-on baggage and $500 for checked baggage, in excess of carrier coverage.
- Purchase Protection$0/As needed
Protects covered purchases against accidental damage, theft, or loss for up to 90 days. limit $50,000 per year.
- No Foreign Transaction Fees$0/As needed
The card charges no foreign transaction fees on purchases abroad.
- Amex Special Ticket Access$0/As needed
Access to Amex Presale Tickets and Amex Reserved Tickets for select events across sports, music and more, plus additional perks at select events.
- Extended Warranty$0/As needed
Provides up to one extra year added to original manufacturer warranties of 5 years or less. limit $50,000 per year.
- Global Assist® Hotline$0/As needed
Provides 24/7 emergency assistance and coordination when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, and missing-luggage assistance. The cardholder pays third-party provider costs.
- Car Rental Loss and Damage Insurance$0/As needed
Secondary coverage may apply to damage to or theft of a rental vehicle when the entire rental is reserved and paid with the eligible card and the rental company's collision damage waiver is declined. Liability coverage is excluded, and geographic and vehicle restrictions apply.
- American Express Venue Collection$0/Annual
On-site perks such as dedicated entrances or fast lanes at select stadiums and arenas. Enrolled Cards also get 10% back on qualifying concessions purchases, up to $250 in statement credits per calendar year. Offer ends December 31, 2026. The 10% back depends on member spend, so it carries no fixed annual dollar value.
- Trip Delay Insurance$0/As needed
Reimburses certain additional expenses if a round-trip is paid for entirely with your card and delayed by a covered reason for more than 12 hours. Max 2 claims per 12 months.
- Hertz Five Star® Status$0/Annual
Transform your car rental experience with Hertz Five Star® Status. Enrollment required.
Other American Express cards
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